I commute from the back of the valley in Linda Mar into the City every day for work, and also surf as often as I can, so I get a very good look at where the "fog line" is day in and day out. First, you should probably consider that for about half the year, fog is not a big issue anywhere. From about mid-October through mid-April, it's either sunny everywhere around San Francisco, or it's cloudy and/or rainy. But the fog does play a big role in our weather for the other half of the year, and since that's otherwise the sunny half, it's even more important to many people. It's also worth nothing that the fog waxes and wanes both day to day and within the course of a day, in response to changes in the atmosphere.

That said, there is definitely a "fog zone" in the Bay Area where from April to October, on most days, for most of the day, there is a layer of fog and low clouds present. If that's an issue for you, you should definitely take it into account. The basic issue for understanding the fog zone is that the fog is sucked into the hotter inland areas through gaps in the coastal mountains along the coast. Because of that, even as the clouds burn off through the day, more clouds are sucked in behind them, so if you are in the gap, even miles from the coast, you don't see the sun, even as other places right on the beach a few miles away are basking in it.

The two big features determining the movement of fog and low clouds on the north Peninsula generally are the San Bruno Gap and Montara Mountain. The fog, wind and low clouds flow over the southwestern corner of San Francisco, Daly City, and the northern end of Pacifica on their way east to Colma, South San Francisco, and San Bruno. A little further south Montara Mountain rises 2000 feet from the sea, and redirects the fog, wind, and low clouds away from East Sharp Park and Valley Mar to an extent, and then more so from Linda Mar, to the greatest extent the further south and east you go. Over the hill, you'll notice that Hillsborough and Burlingame also enjoy the protection from Montara Mountain, though the difference between them and communities north and south is obviously not as dramatic.

So on a typically foggy day, on my commute home, I'll shiver as I walk from through the Daly City BART station to my car, and it will be foggy everywhere until I reach the corner of Fassler and Terra Nova, and then it will be sunny all across the Linda Mar Valley from about a half-mile or so in from the coast to the back of the valley. My wife who works from home will be surprised that it's foggy anywhere in Pacifica, as she's been enjoying hours of warm sunshine! So moral of the story: if fog matters to you in Pacifica, go south and east in the city as far as you can!... more

There are so many variables and it's based on your situation and what you are looking for. There isn't a lot of inventory at the moment because it's the winter time and properties are starting to go back on to the market.

What I would wondering would be:
- How much could you afford?
- What type of property are you looking for?
- What's your goal in a few years and what's your situation like?

I lived in the area my whole life and I can definitely help you. You can reach out to me at (415) 890-6451 or giangelo@vanguardsf.com. You can also ook me up on google and look for Gi'angelo Bautista at Vanguard Properties.... more

You can add or edit the photos of your property if it is listed as for sale or as active listing. However if your property is off market, you will not be able to add or to edit the photos of your property.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

Thank you for contacting us. Unfortunately, we didn't get enough information about your problem to resolve the issue. Please provide us with complete property address by replying to this email and we will be happy to assist you.

For future reference, you can feel free to contact us about this type of inquiry through our contact form here:

Homes in CA are basically taxed based on the purchase price. In the above case the taxes would be $6000 a year plus assessments.
Governor Moon Beam is trying to change that for investment properties. Of course the ones who will be paying the tax increase proposed will be the renters.... more

This is an old post, but if you need any help let me know. Sometimes houses will not make to MLS by owners request, and agents will e-mail each other about it. I can advise you should anything come up assuming you still have a need.

Hello pixystix39, you will need to determine your qualifications as well as the value of the home to make a decision. A market value can be determined with the address with a CMA, comparative market analysis. Once you know your purchasing power and the value of the home you can decide what to do from there.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, home price, loan program and how much you want to invest into the down payment and closing costs. How much are you paying currently for rent, your qualifications and the address for a value will be the determining factors.

You may qualify to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

The purchase currently in 94044 zip code of Pacifica start at 525k for 2bd 2ba condo and 558k for 3bd 2ba single family home. It only takes a few dozen questions to qualify and go over your options and email you listings to study and compare the value or other properties of interest. Here are some links to study as well as web reference links to many loan program pages offered...

Foreclosed homes that are been offer for sale has many disadvantages! The asset manager are basing their listing price with an online appraisal. It shall not stop anyone from making an offer. As a buyer’s agent I would put a CMA together and submit the offer! Local agents are familiar with the market and the CMA of a local broker along with the offer is the way to make an offer to an over price listing.... more

The zip code 94044 is for Pacifica, Ca. – a delightful seaside community on the coast south of San Francisco. Scroll up to the top of the page where you can see the link for Local Info. Click on that link for more information about Pacifica.... more

Yes, it can all be resolved with a flash score process. I can help you figure out what documents you need to complete this and process them with the credit agencies. I would need to discuss it with you by phone or in person.

Also banks only look at the last 2 years tax return for income qualification. Let me know if you need further help. Cheers, Cynthia 650 219-4770... more

Hello Bonnie, It depends on the property. A single family home should be no problem. Condos and town homes do have restrictions in the CCR'S of the complex. I hope this answers your question? Thanks for asking. Allen Jones... more

Have you considered what you will do when it comes to financing for you new home? Before you start looking for homes I strongly recommend you get pre-approved. This is important because it gives you an idea of the price range you can afford. Also, offers from individuals with pre-approvals are taken much more seriously. I am a lender based out of California and I have done plenty of loan throughout the state. I would be glad to speak with you to help you get the loan you need so feel free to contact me. Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com... more